Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Nov 27, 2018

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Having to pay for pricey insurance can sap your bank account and put a big crunch on your finances. Comparing cost estimates is free and is an excellent way to cut your insurance bill.

Because you have many choices, it can be challenging to pick the most affordable company.

Low cost insurance prices

Shopping for lower insurance rates can be exhausting if you don’t understand the easiest way. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you could save time and use the web to accomplish the same thing much quicker.

Most car insurance companies enroll in a system where prospective buyers enter their policy data once, and each company then returns a price quote determined by their information. This eliminates the need for quote forms to each company.

To compare rates using this form now click here (opens in new window).

One minor caviat to pricing coverage this way is that consumers can’t choose which companies you will receive quotes from. If you prefer to choose specific insurance companies to compare prices, we have a page of low cost insurance companies in your area. Click here to view list.

It’s up to you which method you use, but double check that you are using the exact same deductibles and coverage limits on every quote. If you enter differing limits it will be nearly impossible to determine which rate is truly the best. Just slight variations in insurance coverages may result in a large different in cost. And when comparison shopping, comparing more company’s prices increases the change that you will find a better price. Not every company provides quotes online, so you need to compare price estimates on coverage from those companies, too.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Save a ton by applying these ten discounts

Insuring your vehicles can cost a lot, but there’s a good chance there are discounts that you may not know about. Many discounts should be triggered at quote time, but a few must be specifically requested before you will receive the discount. If you’re not getting every credit you qualify for, you are just wasting money.

  • Pay Early and Save – By paying your policy upfront instead of paying each month you may have a lower total premium amount.
  • Memberships – Participating in certain professional organizations is a simple method to lower premiums on your next renewal.
  • Claim Free – Insureds with no claims or accidents have much lower rates as compared to frequent claim filers.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle their seat belts could save 15% on the premium charged for medical payments and/or PIP.
  • Distant Student – Kids who attend college more than 100 miles from home and leave their car at home may qualify for this discount.
  • Student Driver Training – Require your teen driver to participate in a local driver’s education class if offered at their school.
  • Active Military Service – Being on active duty in the military can result in better prices.
  • Defensive Driver – Taking part in a course in driver safety could save 5% or more if you qualify.
  • Discounts for Good Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Silverado insurance compared to accident prone drivers.
  • Passive Restraints and Air Bags – Options like air bags or motorized seat belts may get savings of 20% or more.

Don’t be shocked that some of the credits will not apply to the entire policy premium. A few only apply to individual premiums such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, nobody gets a free ride.

Popular insurance coverage companies and a selection of discounts can be found below.

  • State Farm may offer discounts for Steer Clear safe driver discount, good student, anti-theft, Drive Safe & Save, safe vehicle, and student away at school.
  • Farmers Insurance offers discounts for teen driver, youthful driver, homeowner, distant student, pay in full, early shopping, and good student.
  • GEICO includes discounts for military active duty, seat belt use, multi-vehicle, federal employee, and five-year accident-free.
  • American Family has savings for good driver, TimeAway discount, bundled insurance, early bird, multi-vehicle, and mySafetyValet.
  • Nationwide offers discounts including defensive driving, anti-theft, multi-policy, good student, Farm Bureau membership, family plan, and easy pay.
  • Progressive discounts include multi-policy, continuous coverage, online signing, multi-vehicle, and good student.

Before you buy a policy, ask all companies you are considering to give you their best rates. Some credits may not apply in your area. To locate providers offering insurance coverage discounts, follow this link.

Your auto insurance coverage should be tailored to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions might point out if you may require specific advice.

  • Why is insurance for a teen driver so high?
  • What is covered by UM/UIM coverage?
  • When should I drop full coverage on my 2006 Chevy Silverado 3500?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Does my insurance cover my expensive audio equipment?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

What auto insurance coverages do you need?

Understanding the coverages of auto insurance aids in choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and coverage can change by endorsement. Shown next are typical coverage types found on the average auto insurance policy.

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from flooding, damage from a tornado or hurricane, a tree branch falling on your vehicle and vandalism. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision insurance

This coverage will pay to fix damage to your Silverado 3500 resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as scraping a guard rail, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability coverage

Liability coverage will cover damage or injury you incur to other people or property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as repair bills for other people’s vehicles, bail bonds, medical expenses, emergency aid and legal defense fees. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses for things like dental work, rehabilitation expenses, nursing services, X-ray expenses and ambulance fees. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.